Standard Chartered Bank offers a host of credit cards to give the customers an easy shopping experience without having to carry cash. The bank has a varied assortment of credit cards that come with great benefits and privileges. Such benefits are offered in the form of rewards, value back and exclusive membership advantages. One can apply for Standard Chartered Bank credit cards at Paisabazaar.com after checking eligibility for the same and comparing the features and benefits with other credit cards.

This credit card by SCB is best suited for those who love to travel and at the same time shop a lot. At an annual fee of just Rs. 999, it offers numerous privileges including special discounts at certain stores and direct cashback into your account. Its annual fee is waived off when you spend Rs. 1.2 lakh or more in a year. Some of the major benefits offered by this credit card include-

For those who want to earn while they spend, this credit card is the best match. Offering wonderful rewards and cash back, this card lets you earn more every time you use it to make regular purchases. It is available at an annual fee of Rs. 250 which is also waived off when you reach total spending of Rs. 30,000 in a year. Let us find out some of its great features-

Standard Chartered Bank has launched this credit card to allow its customers to save more. As the name suggests, this card lets you make super savings in the form of cash back, rewards and discounts. The one-time joining fee on this credit card is Rs. 750 and every year you will have to pay Rs. 750 as the annual fee which is waived off on reaching annual spends of Rs. 60,000. Here are the top features of this credit card-

Improve your premium lifestyle with SCB’s Ultimate Card. This card offers exclusive rewards on fine dining, travel spends and much more. The annual fee on this credit card is Rs. 5,000. Some of its great features are-

Book your tickets on MakeMyTrip within 90 days of card issuance and get cash back up to Rs.10,000 on a single transaction (T&C Apply)

Earn 5 reward points for every Rs. 150 spent on your credit card

Redeem your rewards for a host of gift vouchers and merchandise. 1 reward point is equal to Re. 1 in value

Get up to 25% discount at the top 250 restaurants in India along with the benefits of premium reservation

Get access to 20 premiere golf courses in India and 150 around the globe

Enjoy 5% cashback on duty-free spends at airports

Complimentary Priority Pass membership that allows you to access 1,000 airport lounges across the world

Perfect match for frequent travellers, this credit card lets you earn air miles every time you use it. Owning this credit card makes you a part of SCB’s premium circle that lets you enjoy premium shopping, travel and golf privileges. Given below are some of the features of this credit card-

Get 4,000 bonus miles and fly to Dubai with just 27,500 miles

Earn up to 6 Skyward miles for every Rs. 150 spent on your credit card for international transactions

Earn up to 4 Skyward miles for every Rs. 150 spent on your credit card for domestic transactions

Get 2 complimentary lounge access per month to 32 domestic and international airport lounges as a part of Priority Pass Membership

Enjoy 3 complimentary golf games in a year along with one free lesson per month

Standard Chartered Bank understands the different needs when it comes to a credit card. The bank offers a variety of credit card that caters to all the financial requirement. To apply for an SCB Credit Card, you can follow the below mentioned steps:

Step 1-Click here to start with your credit card application.Step 2- Once you proceed with the application, you need to fill in the basic details like your name, address, monthly income, mobile number etc.Step 3- According to your eligibility, there will be a list of financial institutions offering credit card best suited for you.Step 4- You can select the bank according to your financial situation and accordingly apply with the same. The bank will do a background check and then once your application is approved from their end, the card will be dispatched and delivered to you within 7-10 working days.

To check the application status of your Standard Chartered Bank credit card, click here. You need to be ready with your application reference number and mobile number. Once you fill these mandatory fields, the bank will update you with the progress of your application.

Standard Chartered Bank reward programme is called 360° Reward Points. These reward points are earned through air miles or the daily transactions on the credit card. Below are some of the reward points that you can earn with the Standard Chartered Credit Cards:

Apart from the annual fee and joining fee on different credit cards, these are the other charges applicants should be aware of-

Type of charge

Amount

Late charge

If the credit card holder misses 2 consecutive months’ payment, Rs.100 will be charged as late charge

Late payment charges

If the outstanding balance as per the statement is less than Rs.500, the charge levied is Rs.100. If the
outstanding balance lies between Rs.501 to Rs.2000, the charge payable is Rs.350. The charge is Rs.500 for balances between Rs.2001 to Rs.4000, Rs.700 for outstanding balance between Rs.4001 and Rs.20,000 and Rs. 800 for balances which are higher than Rs.20,000.

Over limit fees

For every instance of over-limit, a fees will be paid which should be 2.5% of the overdrawn amount subject to a minimum of Rs.500

Standard Chartered Rewards Handling Charges

As handling and courier charges for the redemption of reward points, the bank charges Rs.99 for all
credit cards except Emirates Platinum, Platinum Elite and Landmark Rewards Platinum.

Cash Advance Fee

For cash withdrawals through ATMs, a fee is payable which is 3% of the amount of cash withdrawn
subject to a minimum of Rs.300. If the withdrawals are done using the teller facility at Standard Chartered branches, an additional fees of Rs.500 is levied.

Overseas Transactions

All transactions carried out overseas would attract a charge of 3.5% as transaction fee. This fee would
include the charges which are paid out to VISA or MasterCard for converting the value of overseas credit card transactions into INR. Transactions affected at merchant establishments which are registered overseas but having branches in India would also attract a 0.80% transaction fee payable to VISA or MasterCard and this fee would be included in the credit card statement issued to the credit card holder every month.

Surcharges

The rate of the surcharge depends on the nature of the transaction. For railway transactions, a surcharge of
Rs.25 or 2.5% of the transaction value (whichever is higher) is levied, for petrol transactions, it would be higher of Rs.10 or 2.5% of the transaction value.

GST

A GST of 18% is charged.

Pick up fee for cheque or cash

For overdue card accounts, Rs.100 would be levied for payments which are collected by authorized
representatives of the bank. This charge would be reflected in the next month’s credit card statement.

You can repay the credit card bill with the help of NEFT, auto debit facility, cash, cheque or internet banking.

What is the annual fee on SCB credit card?

The annual fee on SCB credit card starts from Rs. 250 and goes up to Rs. 3,000.

How can the reward points be redeemed?

The reward points can be redeemed through online and mobile banking. With online banking, you can select, online rewards section and follow the steps of redeeming the reward points. Similarly, in the “Credit Card Reward” section in mobile banking, you can select the option from the menu that will be displayed and can accordingly redeem the points.